[mediaman]

Doing a financial product as a green self-trained dev is not a great idea. But it's also a straw man. There are many great products that don't need to handle millions of users, or are not handling bank connections, that can be bootstrapped by smart people willing to put some work into it.

If they are okay with slower growth, those people will learn a lot, may build a viable business, and will not have to deal with the stress of dealing with the board and constantly raising money.

There are many, many 5-10 person companies (or less!) that have been bootstrapped, that make a lot of money, and that have very happy founders with happy customers, and whose founders have no pressure to sell out or do things they don't want to do. The main cost is patience and willingness to not be a glitzy success story in the papers. Nobody is paid to encourage you to take this path, except for you.